Home » Pay Studio

Pay Studio Departments

Featured Story

Featured Video


PSPs Fight Fraud with Kount Central

Visit www.kount.com to learn more.

Ingenico on the Four Corners of Global Payments
Android Pay Japanese Ad
CNN on India’s Mobile Payments Boom in Wake of Cash Restrictions

Industry Speaks


Poll Results: Investing to Grow

As 2016 came to a close, we asked our readers: Where will you be investing most to grow your business in 2017?


Poll Results: U.S. Elections

How much will the Nov. 8, 2016 election in the U.S. affect the payments industry?


Poll Results: CFPB Final Rule

Now that the CFPB has released its long-awaited final rule on prepaid accounts, what overall effect will the regulations have on the industry?


Poll Results: EMV a Year Later

October 1, 2016, marks the first anniversary of the payment networks’ EMV liability shift. Nearly one year in, how would you describe the rollout of EMV thus far?

Play Now


Webinar: CFPB Final Rule on Prepaid Accounts: The Rules and Their Short- and Long-Term Impacts

K&L Gates payments lawyers get down to the nitty gritty with the CFPB’s expansive final prepaid accounts rule. Find out what you need to know for your business and earn CLE credit at the same time.


Webinar: EMV Tokenization

The Smart Card Alliance presented a live Webinar on tokenization, the process of substituting valuable data with a token made up of random alphanumeric characters, and its potential to be a payments security game-changer for its ability to protect sensitive account data for in-store and online transactions.


Webinar: Beyond Regulation – What the CFPB Expects from Payments Processors

On Aug. 2, Mayer Brown and Paybefore presented a live Webinar on recent enforcement actions by the Consumer Financial Protection Bureau against payment processors and their owners based on the alleged illegal conduct of the processors’ clients. View slides and listen to audio.

Click image to view and listen to a recording of the Webinar

Webinar: Payments Services Directive 2 and Access to Accounts

Bryan Cave and Polymath Consulting presented a live Webinar, How will PSD2 Provisions–Especially the XS2A– Impact Banks, Fintech & Emerging Payments in the UK and EU?,” part of a series to help companies understand the emerging payments landscape in the EU and its regulation.

Research & Analysis


Want Consumers to Spend More? Make Sure They Have Gift Cards.

Gift cards are very good for business, and getting better: 75 percent of U.S. consumers using the payment devices in 2016 spent more during their shopping trips than the value stored on those cards, according to a First Data study. That compares with 69 percent in 2015. The average extra spending stands at $27.74 more than the value of the card, the report said.


Trade Group Report Offers Post-Brexit Licensing Guidance

With last year’s Brexit decision casting uncertainty on U.K.-based e-money passporting, the Emerging Payments Association (EPA) has released a new report recommending the best options for U.K.-licensed fintech and financial services companies in danger of losing their European Union passporting rights following the U.K.’s exit from the EU.


White House Unveils Fintech Framework for U.S.

Following the OCC’s plans for a special fintech bank charter, which has state regulators and a few Democratic senators up in arms, the National Economic Council (NEC) of the U.S., part of the Office of White House Policy, has published a whitepaper, “A Framework for Fintech,” reports Paybefore’s sister publication Banking Tech.


Gift Card Study: Self-Gifting, Non-Seasonal Use Going Strong

U.S. adults bought about $46 billion worth of gift cards over the past year—and a significant chunk of that total was comprised of gift cards for self-use, according to a new study by market research firm Packaged Facts. Of the total consumers spent on gift cards, $28 billion was for gift cards given to friends and family, while $11 billion was for gift cards they gave to themselves, the report found. The remaining $7 billion was comprised of gift cards given by companies to their employees.

Spotlight on Companies

Shutterstock\Julia Tim

Innovators’ Spotlight: AuthenticID

Social media has made it simple for criminals to get their hands on everything from your pet’s name to the model of your first car. Add to that what seem like daily data breaches of sensitive information, and it’s not all that difficult for fraudsters to pretend to be legit customers. Enter AuthenticID, an Atlanta-based authentication specialist that combines government-issued ID information with facial recognition.


Innovators’ Spotlight: PaySwag

Retailers have long recognized the importance of customer engagement to drive sales and retain customers. But Reno, Nev.-based PaySwag is proving the power of engagement to improve results in a somewhat unexpected sector—bill payments.


Q&A with Emily Baum, Prepaid International Forum

The Prepaid International Forum (PIF) is celebrating its 10-year anniversary in 2016. Emily Baum, a non-executive board member of the forum and business development director of PrePay Solutions, tells Paybefore more about PIF, where the 23-member group is headed and how the industry is responding to calls for increased prepaid regulation following the Paris terrorist attacks.


Innovators’ Spotlight: Poynt

Electronic payment options for consumers are proliferating, and shoppers expect merchants to accept the full gamut of form factors. But for retailers—especially small and midsize enterprises (SMEs)—it can be tough to keep up. That’s where Poynt comes in.

Spotlight on People

Concept of World connections. Vector illustration.

Q&A with Susanne Steidl, Wirecard

In late June, Germany-based payments solutions provider Wirecard AG made a major foray into the North American prepaid market, announcing a definitive agreement to acquire Pennsylvania-based Citi Prepaid Services. Paybefore recently spoke with Susanne Steidl, managing director, Wirecard Acquiring and Issuing GmbH, about the Citi deal and how the acquisition fits into Wirecard’s overall growth strategy.


Q&A with Ron Hynes, UniRush LLC

Ron Hynes has been on the job as the new CEO of UniRush LLC less than a month, but he’s already looking ahead. And, he’s not going to let the CFPB’s looming final prepaid rulemaking slow the company down when it comes to innovation and product development. Hynes spoke with Paybefore about what he brings to his new role and why UniRush’s cardholder settlement made him want the CEO job even more.


Nominate Your Favorite Payments Tech Guru

You weighed in on Women Driving Payments Change, Top 10 Payments Lawyers and the Smartest People in Payments. Now we want to know which chief technology officers deserve the title of Top Payments Tech Guru. Enter your picks by July 1. We’ll tally the top vote-getters and have final voting from the short list next month. The Top Payments Tech Gurus will be featured in our Spring issue of Pay Magazine.


Q&A with Steve Montross, CPI Card Group

For card manufacturers like CPI Card Group, the U.S. transition to EMV continues to be a top priority. But broader trends like the rise of e-commerce and wearables also are shaping a business that goes well beyond plastic.

Please submit the following form to gain access to all Pay Connect company resources.

  • This field is for validation purposes and should be left unchanged.